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Weekly Debt Update #18- A Birthday Party and Disney Planning

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Hey everybody! I hope you all had a great weekend.

With not much to discuss this week- I want to touch on a couple of items. Firstly, a very good friend of mine and his wife had a birthday party for his son who just turned 1, on Saturday. The party was in Ohio, a couple hours away from where we live. I drove down and spent a majority of day celebrating with them and their family. Instead of getting them a new toy, since I figured everybody else would be doing that, I gave them $25 in cash to start an ESA account for their son. Once the present opening began, I realized my suspicions were right- they had more toys and clothes than I think they knew what to do with. I told my buddy how to quickly set up an account (much like I did for my nephew) that will allow the money to grow for the next 17 years.

Secondly- the money saving planning for Disney has begun. So far, we know of 2 ways that are going to save us a ton. 1) We’ve been talking to GF’s mother, who lives only a couple miles away, to watch the dogs for us while we’re gone. She agreed to come over, let them outside, and play with them a couple of times each day and we’re going to give her $200. When I was looking into having the dogs boarded for the week, the prices ranged form $350-$450 depending on how much activity we wanted the dogs to get. Besides the financial aspects, I don’t really feel comfortable keeping our dogs in a kennel where they have limited space. I feel that keeping them in our house, where they can roam anywhere and play with all their toys, is a much more inviting scenario. 2) Since we’re driving to and from Disney (16+ hours away) we’re going to pack as much as we can for the drive. GF has already started couponing and buying foods that we can eat on the way that won’t go bad. The day before we leave, we plan on making pasta salads, normal salads and fruit salads- food that we can eat straight from the cooler, are healthy, filling and will give us plenty of energy for the drive. This will certainly keep us from hitting the gas station food when we stop for gas, at least on the way down. We haven’t yet figured out what we are going to do for the trip back up.

For anyone interested in my current debt totals, here they are:

Loan NameInterest RateOriginal Balance- May '09Current BalanceTotal Paid OffPaid Since Last Week
Sallie Mae 015.25$27,837.24$23,896.61$3,940.63$0.00
Sallie Mae 024.75$22,197.02$18,750.50$3,449.52$0.00
Sallie Mae 037.75$20,692.10$0.00
$20,692.10$0.00
Sallie Mae 045.75$10,350.18$6,271.63$4,078.55$305.85
Sallie Mae 055.25$6,096.03$0.00$6,096.03$0.00
Sallie Mae 06 and 074.75$6,415.09$0.00$6,415.09$0.00
Sallie Mae- DOE 015.25$5,000.00$0.00$5,000.00$0.00
Sallie Mae- DOE 025.25$3,000.00$0.00$3,000.00$0.00
AES6.8$9,000.00$0.00$9,000.00$0.00
TOTALS$110,587.66$48,918.66$61.669.00$305.85

I hope everyone has a great week!


Responsible Pet Ownership

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Let me tell you a little story about our dog, Rocky.

Rocky1

 

 

Rocky is an incredible dog. Well-behaved, intelligent, and loyal. One of the best.

But when he was a puppy he was T.E.R.R.I.B.L.E.

 

Rock1

I distinctly remember at least 2 separate instances when I was this.close to taking him back to the pound (he was a rescue dog).

He got into everything! He had an insane amount of energy and regardless of how many walks, trips to the dog park, and hours spent playing fetch, he could never get it all out. He’d come inside and just destroy everything!

Rock2

As a puppy he did all of the following things: (1) ate a hole through a wood door large enough to walk through, (2) ate an entire leather cushion from a couch, (3) ate through chicken wire, (3) ate a friend’s hat, sunglasses, and shoes as the friend was sleeping on our couch.

This just scratches the surface. He was destructive. And he ate everything.

So one day we’re at home and Rocky starts freaking out. He starts running in circles around our living room at lightening-speed. Then he stops, starts staggering side-to-side like he’s drunk and about to fall down, then he goes right back to running (repeating the run-stagger cycle over and over).

Hubs (boyfriend at the time – this was 10 years ago) and I watched in shock of what was going on. Even for our high-energy Rocky boy, this was crazy behavior. Something was wrong.

At one of the staggering intervals, husband grabbed Rocky and scooped him up in his arms. We ran to the car and drove as fast as we could to the vet clinic just up the road. This was not our usual vet, but we had just moved and this was the closest vet to our new place. We knew we needed help fast.

Once there the vet got to work right away. She pumped his stomach, but didn’t find anything too unusual (I say “too unusual” because she did find some t-shirt material and padding from our patio furniture – true story – but those items would not have caused his behavior). The vet, obviously an animal lover, was not kind to us. She basically accused us of having drugs lying around that he surely must have ingested. Absolutely not! We were not drug-doing type of people!

An overnight stay and several hundred dollars later, we were able to bring Rocky home. Never figured out what was wrong, but he ended up being okay.

Fast forward 2 weeks. We realized what Rocky must have gotten into.

I was in college at the time and it was finals week. I’d been having a lot of anxiety and my relative-to-remain-nameless (since I’m describing a felony and all) gave me a couple of Xanax pills. Obviously not prescribed to me. But my relative thought it would help me relax enough to do well on my exams (I had bad test anxiety at the time). I never did end up taking the pills. They were wadded up in a paper napkin and had been thrown on a kitchen counter. Eventually I forgot about them all together. Then the napkin disappeared (aka: Rocky got ahold of it), and I never even thought twice about it. It is not a usual thing for us to have drugs (prescription or illegal) lying around so it never even crossed my mind.

Apparently the vet was right. *cringe*

I tell this story to say that, since this time, being a responsible pet owner has been of the utmost importance to me. I’d thought we were responsible pet owners at that time, too, but obviously we hadn’t shielded our eat-everything puppy from the dangers of some prescription pills that were lying casually on the kitchen counter.

And above the ramifications for the pets, themselves, responsible pet ownership pays off financially. Being responsible in this situation (i.e., putting the pills away in a safe place) would have prevented the hundreds of dollars we spent on emergency vet bills that day, not to mention the stress and heartache of thinking we were losing our beloved dog.

Pets can be expensive! But if you’re going to be a pet owner, being a responsible one is important.

Rock3

Have you had any scary pet crises? How much did the ordeal cost you?

Have you owned a rambunctious pet before? Our dog is THE BEST now, but those first 2 years of his life were pretty rough! ; )